I would like to be debt free and I will contact navy federal
I have not made the decicion to apply for the hardship program,I am just getting information online and talking to people, the sooner I get help the better. My situation is I own 12,000$ navy card and I am retired so I only get 1,000$ a month social security so I have intentions to keep paying on time every months,but the APR, interest is killing me ,and I can not afford it.this is income 1,000$ I can pay a lot of this, all my utilities are low payment, dont have car payment. Rent 117$ 2 bedroom apartment. Light utilities 100$ a month. Wifi 45$ a months,that is all the utilities bills I have total 262$ i pay my house. 738$ it goes to pay my credit cards, I have 8 credits cards and interest are killing me,I will never finish paying this debt, I am sure navyfed will approved and help me to lower the interest, I am willing to prove and provide all my bills they ask me.i am sure they will freeze my account, whatever it take,to get out of debt.only have 2 credit card with navyfed...what is your advice, I am positive I am approved because I have stable income and will continue making payments.